Personal Finance

Open enrollment for 2015 under the Affordable Care Act ends on February 15. Health insurance specialists from Allen Insurance and Financial in Camden will help participants through the enrollment process and answer questions about plan choices. There are some very important prerequisites for this session. All participants must have an active email address and a user name and password at healthcare.gov, obtained either as part of enrolling in 2014 or as part of a preregistration activity for 2015. Without these, you cannot participate in this session. It is important to note that while preregistration can sometimes be done quite quickly at healthcare.gov, problems can occur, so attendees should plan ahead and not leave preregistration to the last moment. If you need help with this process, call Anna Moorman at Allen Insurance and Financial at 236-4311. Depending on schedules and availability, this class will be led by either Dan Wyman or Tom Chester with assistance from other staff at Allen Insurance and Financial. No charge but please call the Adult Ed office to register. 1 night 6:00-8:00 p.m. Class Thurs 2/5 CHRHS Rm 220 Dan Wyman manages the insured benefits division at Allen Insurance and Financial and works with businesses all over Maine on their health insurance and ancillary benefits. A graduate of Williams College and the University of Maine School of Law, he keeps the staff current on the intricacies of the Affordable Care Act. Tom Chester is a Certified Financial Planner® who works with Maine businesses and individuals across Maine on their financial and health insurance planning.

This class, for all investors, will discuss asset transfer, incapacity protection, guardian for minors or dependents, charitable intent and/or tax control. The focus will be relevant both to small business owners and sizable estates. Registration $15. 1 night 6:00-7:30 p.m. Class Wed 3/25 CHRHS Rm 225
Ken Gardiner is a Financial Advisor with Edward Jones Investments in Camden. He currently is an Accredited Asset Management Specialist.

MaineStream Finance is offering this hoMEworks approved homebuyer education classes. Class participants who attend all classes receive a homebuyer education certificate, recognized by Maine State Housing Authority and Rural Development. The certificate is good for 2 years. Homebuyer education class attendees over the years have given the classes high ranks and recommend that every first-time homebuyer consider taking the class. Registration $30. 4 weeks 5:30-8:00 p.m. Begins Wed 3/25 CHRHS Rm 235 MaineStream Finance provides personal finance, home loans and business services to people in Maine who might otherwise have limited access to financing and credit.

In this presentation for those who are nearing retirement, we will discuss how to plan for a steady income stream during retirement. We’ll explore the three types of income: variable, reliable, and rising. We’ll also discuss strategies to help you create a stream of income that you can use for your expected and unexpected life events during retirement. Registration $15. 1 night 6:00-7:30 p.m. Class Thurs 5/7 CHRHS Rm 220
Jerod Cronkite, CFP, AAMS is a Financial Advisor with Edward Jones in Rockport.

This course is suitable for people who already have a variety of investments (mutual funds, stocks, bonds, annuities) but are not sure if the assemblage will allow them to reach their financial goals.
Registration $25. 2 weeks 6:30-8:00 p.m. Begins Wed 3/25 CHRHS Rm 224
Lowrie Sargent is Vice President and Investor Advisor representative for Maine Asset Management and Director of Education and member of the State Board of Directors for Better Investing. He has been investing since 1978 and has a Masters of Business Administration, Loyola College, and Bachelor of Arts, Cornell University. He also won the Vedder Prize in Economics.

Women face unique financial circumstances and a strong financial strategy is vital. In this class we will discuss ways you can ensure that your financial strategy fits your lifestyle and needs. As part of our discussion, we will explore the five most critical money questions that all women need to ask. Registration $15. 1 day 10:30-11:30 a.m. Class Thurs 4/30 YMCA Teen Center Jerod Cronkite, CFP, AAMS is a Financial Advisor with Edward Jones in Rockport.

The instructor will cover the basics of technical analysis to help students learn and understand historic and future stock price movements.
Registration $30. 2 weeks 6:00-8:00 p.m. Begins Wed 3/11 CHRHS Rm 224
Lowrie Sargent is Vice President and Investor Advisor representative for Maine Asset Management and Director of Education and member of the State Board of Directors for Better Investing. He has been investing since 1978 and has a Masters of Business Administration, Loyola College, and Bachelor of Arts, Cornell University. He also won the Vedder Prize in Economics.

In this seminar geared toward women who are retired we will focus our discussion on retirement income, Social Security, withdrawal rates, preparing for the unexpected, inflation risks, and the costs of health care and long-term care. Registration $15. 1 night 6:00-7:30 p.m. Class Wed 4/29 CHRHS Rm 225
Ken Gardiner is a Financial Advisor with Edward Jones Investments in Camden. He currently is an Accredited Asset Management Specialist.